DEAR HARRY: My wife and I do not believe in divorce. Because we have had our share of shouting matches, we decided to separate the day after Christmas 2013 before it came to blows. She has custody of our 12-year-old daughter, and I have custody of our 15-year-old son. Our incomes are about the same. I know that we cannot file jointly for our 2014 income taxes, but can either of us file as Head of Household? We each got a different story from our tax preparers. Give it to us straight, Harry.

DEAR HARRY: Back in 2012, I borrowed $40,000 from my company pension plan to give me a large enough down payment on a new home we bought. I saved .5 percent in interest on the mortgage. The payment schedule was set up to have the loan repaid before June 30, 2022.

Dear Harry: I have been thinking of writing to you for more than a year. You responded to a letter about a financial problem of adult children living with parents. I refuse to call these children "boomerang kids."